WO2002043020A2 - Procede et dispositif de transmission de donnees par telephones mobiles dans des operations de paiement par virements electroniques - Google Patents

Procede et dispositif de transmission de donnees par telephones mobiles dans des operations de paiement par virements electroniques Download PDF

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Publication number
WO2002043020A2
WO2002043020A2 PCT/AT2001/000359 AT0100359W WO0243020A2 WO 2002043020 A2 WO2002043020 A2 WO 2002043020A2 AT 0100359 W AT0100359 W AT 0100359W WO 0243020 A2 WO0243020 A2 WO 0243020A2
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WO
WIPO (PCT)
Prior art keywords
data
computer
transmitted
mobile phone
payment terminal
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/AT2001/000359
Other languages
German (de)
English (en)
Other versions
WO2002043020A3 (fr
Inventor
Miroslav Florek
Michal Masaryk
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
HORIZONTE VENTURE MANAGEMENT GmbH
OPEN NT SRO
Original Assignee
HORIZONTE VENTURE MANAGEMENT GmbH
OPEN NT SRO
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by HORIZONTE VENTURE MANAGEMENT GmbH, OPEN NT SRO filed Critical HORIZONTE VENTURE MANAGEMENT GmbH
Priority to AU2002223244A priority Critical patent/AU2002223244A1/en
Publication of WO2002043020A2 publication Critical patent/WO2002043020A2/fr
Anticipated expiration legal-status Critical
Publication of WO2002043020A3 publication Critical patent/WO2002043020A3/fr
Ceased legal-status Critical Current

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Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3272—Short range or proximity payments by means of M-devices using an audio code
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0866—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means by active credit-cards adapted therefor
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0873—Details of the card reader
    • G07F7/088—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself
    • G07F7/0886—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself the card reader being portable for interacting with a POS or ECR in realizing a payment transaction

Definitions

  • the present invention relates to a method for transmitting data via mobile phones in cashless, electronic payment transactions, a connection to a computer, in particular a credit company, being established with the aid of the mobile phone and the identification data associated with the subscriber number of the mobile phone being transmitted from the mobile phone to the computer, wherein the payment process is confirmed by inputs of a personal identification code by the user of the mobile telephone. Furthermore, the present invention relates to a device for carrying out this method with a payment terminal and a device for communication with a computer of the credit company or the like.
  • Cashless electronic payment transactions are usually carried out using magnetic cards, chip cards or so-called prepaid cards as identification means.
  • the payee When making payments using magnetic cards, the payee needs a suitable reading device and a communication link to a corresponding credit company of the customer. Communication can take place online or offline, i.e. for example, there is either a permanent connection to the credit company via a telephone line, or this must be set up if necessary. In the case of a permanent connection, a higher security standard is achieved, but there are also higher costs. Such a dedicated line only pays for itself if a large number of bookings are made every day. In shops with fewer electronic payments, instead of dedicated lines, a communication link to the credit company is established with every payment, which can often result in uncomfortable waiting times for the customer. However, such offline connections are much cheaper.
  • the customer receives a card from his credit company with a chip on which a predetermined loan amount is stored.
  • This card can be used to make cashless payments by querying the seller about the current status of the loan using a suitable reader / writer and, if the amount is sufficient, debiting the chip card accordingly. This reduces the available credit, which is stored electronically on the card's chip.
  • the seller electronically collects the amounts collected and transfers, for example, all the relevant data about his credit company or financial institution once a day, whereupon the corresponding sums are credited to him. If the credit of a chip card is exhausted, the customer has to go to his bank or an appropriate machine and "top up" the card again with a credit.
  • the corresponding credit loaded on the card will be deducted from the customer's account.
  • the method by means of chip cards has the advantage for the seller that he does not run the risk of receiving an unsecured payment and that the payment proceeds very quickly since it is independent of a communication link with the credit company. There are certain fees for the chip card for the customer.
  • a transaction method with a chip card is known for example from DE 695 00 561 T2, in which rechargeable chip cards are used together with corresponding identification numbers.
  • the so-called prepaid cards is vo ⁇ get paid vouchers, which at certain amounts corresponding to cash, for example, in a bank or Traffic, can be purchased.
  • the vouchers include lung code a Zah ⁇ , by means of which can be taken with a service provider, such as a telephone company, a service complete. For this purpose, for example, a certain telephone number is dialed, the payment code of Prepaid card entered, whereupon a telephone connection is offered. After the telephone call has ended, the amount used is deducted from the credit.
  • a service provider such as a telephone company, a service complete.
  • a service provider such as a telephone company
  • a service complete for this purpose, for example, a certain telephone number is dialed, the payment code of Prepaid card entered, whereupon a telephone connection is offered. After the telephone call has ended, the amount used is deducted from the credit.
  • there is an external database at the distributor of the prepaid cards in which the assignment of the codes and the respective credit is stored.
  • ⁇ AT 003 699 U2 describes a method for carrying out mobile payments of the kind in which the buyer uses his mobile phone to connect to a provider's computer and enters the identification number provided by the seller together with a personal payment code and amount.
  • the provider receives the call and checks the identity of the mobile communication medium and the personal payment code, whereupon the provider confirms the payment by means of electronic transmission media, such as the Internet.
  • the payment confirmation is displayed in the sales medium or in an independent terminal. Passing the identification number of the sales medium from the seller to the buyer and entering this number as well as the personal payment code and the amount increases the probability of an incorrect entry.
  • the technical effort for the confirmation of the payment by the provider is relatively high, so that the method can only be used in more developed regions.
  • WO 98/34203 AI describes a method and a device for making payments using a mobile phone, in which a unique payment identification is stored in the mobile phone, which can be transmitted to a payment terminal for making payments. This transmission of the identification number to a payment terminal or the like takes place, for example, by means of infrared signals. It is therefore necessary to use specially equipped mobile phones for this purpose.
  • DE 198 00 364 AI describes a telebanking method using a telephone device, in particular a cell phone, data from a bank computer terminal being transmitted electro-acoustically to the telephone device and being forwarded from the telephone device to a bank computer. The coupling between the terminal and the telephone can also take place via an interface. The transmission between the telephone system and the bank's computer is encrypted.
  • the telebanking method according to this document differs from the method according to the present application.
  • the US 5 995 599 A shows an acoustic coupler for mobile telephones, which can be integrated in various portable units.
  • EP 708 547 A2 shows the use of a mobile telephone for authorized, wireless data transmissions, for example also for cashless payment transactions. To enable payment in this way, a unique data chain is sent to a provider, which differs from the telephone number of the mobile phone number user.
  • EP 0 780 802 A2 describes a wireless payment method in which a data record containing all the relevant data is generated in a payment terminal of a seller and is then forwarded to the computer of a credit company or the like.
  • the object of the present invention is to provide a method and a device for simple and secure data transmission for cashless electronic payment transactions, which does not require any complex facilities for the seller and should therefore be more effective, less expensive and more widely applicable.
  • the disadvantages of the known techniques are to be avoided or largely reduced.
  • the object of the invention is achieved in that further data, for example the purchase price of a product or service, is acoustically transmitted from a payment terminal to the mobile phone and this analog data is transmitted to the computer via the mobile phone.
  • the acoustic communication between a payment terminal at the seller and the mobile phone takes place via an acoustic coupler.
  • an inexpensive and efficient cashless payment method can be created. All that is required for the seller is a device that transmits the sales price of the goods or services to the mobile phone. This will be achieved by an inexpensive, possibly adapted acoustic coupler.
  • the corresponding credit company for example the bank, requires a device for communication with the database provided there and a corresponding computer, for example in the form of a modem, which converts the transmitted or to be transmitted signals or data, for example from analog to digital or vice versa.
  • an acoustic coupling between a payment terminal and a mobile phone is provided; the mobile phone does not only take over the connection . function, but also an identification function.
  • the payment data that are transmitted to the database accordingly originate on the one hand from the payment terminal and on the other hand from the mobile phone, and they are connected to a data unit at the recipient (in the database computer).
  • This unit thus contains the following information: identification of the customer (who wants to pay); Invoice amount; Identification of the payment terminal; and the customer's PIN code.
  • the method according to the invention separates the digital identification data transmitted by the customer by mobile phone and others from a payment terminal originating analog data in the form of tones, which are transmitted via the mobile phone, for example to the computer of the credit company.
  • the data of the payment terminal which is transmitted analogously via the mobile telephone network, and the identification codes for confirming the payment in the computer are converted into corresponding digital signals.
  • the transmission of the identification data on the one hand and the purchase price data and the personal identification codes on the other hand takes place during one and the same connection establishment, whereby a clear assignment of the purchase data to the identification data of the buyer is ensured.
  • the personal identification code is preferably entered at the payment terminal and the identification code is then transmitted together with the further data, for example the purchase price of a product or service, from the payment terminal to the mobile phone and further to the computer, for example of the credit company.
  • the coupling of the additional data with the personal identification code is important for security reasons.
  • a corresponding feedback is advantageously acoustically transmitted to the mobile phone. For example, after checking whether the buyer's account is covered, a corresponding positive feedback can be sent to the mobile phone.
  • connection of the mobile phone to the computer of the credit company or the like is provided.
  • This can effectively prevent misuse of the payment system.
  • Communication with the computer in the credit company or the like preferably takes place via the so-called "CLIP" service (Calling Line Identification Presentation).
  • CLIP Calling Line Identification Presentation
  • GSM Global System for Mobile Communication
  • This is a function defined in the GSM (Global System for Mobile Communication) mobile phone network, which enables the calling number of the calling subscriber to be displayed for the called subscriber. This enables the mobile phone user to be uniquely identified via the telephone number which is stored in the SIM card of the mobile phone.
  • comparable other services e.g. in the UMTS system.
  • the data to be transmitted are coded, using known methods or new methods for Application can come.
  • the Bell 103 modulation or the so-called DTMF (Dual-Tone Multiple Frequency) modulation can be used.
  • the data to be transmitted are modulated into tones with corresponding frequencies and in this way are securely transmitted to the computer via the mobile telephone network.
  • the data transmission advantageously takes place in compressed form.
  • Various methods of compression in the payment terminal and decompression at the receiving location can be used.
  • Increased security is achieved by encrypting the data to be transmitted before transmission and decrypting it again at the recipient.
  • a wide variety of encryption methods can also be used.
  • the mobile telephone serves on the one hand as a means of communication and at the same time as an identification means which can be clearly assigned to a customer via the telephone number.
  • the advantage of the method is that the contact, for example with the credit company or the like, takes place at any time and at a favorable tariff using the mobile phone network.
  • All that is required for data transmission on the part of the sales office is an acoustic coupler payment terminal and on the part of the credit company a computer with the associated modem.
  • Via an input device of the payment terminal e.g. a keyboard, not only the respective invoice amount (if it is not transmitted via a line from a cash register etc.), but also the customer's personal identification code (PIN code) can be entered.
  • the final transmission confirmation is made by placing the mobile phone on the acoustic coupler of the payment terminal.
  • the data transmitted to the computer of a credit company or the like is redirected to the computer of another credit company or the like.
  • the data can be automatically redirected to the buyer's account-holding bank.
  • a feedback to the payment terminal which in turn is acoustically via the mobile phone can be transmitted.
  • SMS Short Messages System
  • GSM Global System for Mobile Communication
  • the transmission of the analog data between the mobile phone and Zalung terminal as well as the mobile phone and the computer is preferably carried out in the frequency range between 100 Hz and 5 kHz.
  • the payment terminal comprises an acoustic coupler, ikati ⁇ ns worn on the data to be transmitted acoustically via the mobile phone to the commun ', for example a modem of the computer od of the credit company.
  • the like. Are transmitted, which communication means for sending a signal to the mobile phone is formed after the data has been transmitted.
  • a keyboard can be provided for entering or transmitting the data to be transmitted, via which, for example, a purchase price is entered, which is then forwarded to the credit company via the mobile phone placed on the acoustic coupler.
  • An interface can also be provided for entering the data, to which, for example, a cash register can be connected; accordingly, the purchase price can then be transferred directly to the acoustic coupler.
  • Such an interface can be formed, for example, by a standard interface, such as a serial or parallel computer interface, or an I 2 C interface.
  • the acoustic coupler advantageously also has a display. On this display all important information for the staff and the customer can be displayed during a payment process, similar to payments with cards, the necessary payment data can be stored in a memory in the payment terminal and can also be sent to a peripheral device, if desired a printer.
  • a chip card reader or an interface for connecting a card reader is included on the acoustic coupler.
  • This enables additional functions, such as payment by chip card, be achieved.
  • Modern chip cards already contain relatively powerful microprocessors, often with a mathematical coprocessor, and they are suitable for use in the encryption of data to be transmitted. This protection of data can be further improved if the chip card is changed regularly with the encryption algorithm.
  • Chip cards can also differentiate between different sellers (or waiters) - for example, if a certain waiter cashes (by mobile payment), he puts his chip card in the payment terminal, and if another waiter cashes, he puts his chip card in the payment terminal.
  • the acoustic coupler is advantageously equipped with a microprocessor and / or microcontroller, so that different operations or logical processes can be implemented on the device.
  • WAP Wireless Application Protocol
  • the payment terminal has an average hyperbolic sound recording opening with a microphone arranged therein.
  • the payment terminal in the ⁇ area of the acoustic coupler has a damping material, for example a foam layer, at least above a microphone.
  • the housing of the acoustic coupler area of the payment terminal is free from resonances in the frequency range of the acoustic transmission, in particular between 100 Hz and 5 kHz.
  • FIG. 1 shows a basic diagram of the device according to the invention for data transmission via mobile telephones
  • ' Figure 2 is a block diagram of an inventive apparatus for transmitting data via mobile phones.
  • 3 and 4 an embodiment of a device according to the invention in two different sectional views
  • FIG. 5 shows a flowchart to illustrate the sequence of the method according to the invention.
  • FIG. 1 shows a diagram of a data transmission according to the invention, for example in cashless electronic payment transactions, between a mobile telephone 1 and a payment terminal 2 equipped with an acoustic coupler, which is connected to a peripheral device 3, for example a cash register, a printer or a personal computer, or a central computer 16 of a credit company, for example a bank, the payment terminal 2 being designed to receive the mobile telephone 1.
  • a peripheral device 3 for example a cash register, a printer or a personal computer, or a central computer 16 of a credit company, for example a bank
  • the connection between the payment terminal 2 and the peripheral device 3 can take place via a standardized interface, for example the parallel or serial interface of a computer or also via other connections.
  • the payment terminal 2 is used to register the relevant data, for example a cash register, s.
  • Peripheral device 3 to be transmitted to the mobile telephone 1 and to be transmitted via radio to the central computer 16 of a bank or the like using the mobile telephone network. It is also conceivable to generate the data to be transmitted in the payment terminal 2, for example using an assigned keyboard (see the keyboard 7 in FIG. 2).
  • Various modulation methods can be used to transfer the data via the acoustic coupler of the payment terminal 2 to the mobile telephone 1.
  • the data can be modulated according to the DTMF (Dual-Tone Multiple Frequency) standard or a Bell 103 standard and acoustically forwarded to the mobile phone 1.
  • a modem 17 is required which accomplishes the decoding of the analog data transmitted via the mobile telephone network into a form understandable for the computer 16, for example an analog / digital Conversion and vice versa (for transmission to mobile phone 1).
  • the customer In the case of cashless payment by means of mobile telephone 1, the customer first dials the number of the credit company or the like, as a result of which a connection to the central computer 16 is established.
  • the central computer 16 recognizes the identity of the caller through the automatically transmitted telephone number and can therefore immediately decide whether the caller is authorized to transmit data or to pay.
  • the so-called "CLIP" (Calling Line Identification Presentation) service is usually - ⁇ - activated in the GSM network, whereby the transmission of the telephone number is activated.
  • the cash register 3 is operated by the seller of a shop, for example, and the corresponding purchase price of a product or service is entered.
  • the purchase price is forwarded to the payment terminal 2 and confirmed by the buyer by entering an identification code, whereupon the mobile phone 1 is placed on the acoustic coupler of the payment terminal 2 and the corresponding analog data is transmitted to the computer 16.
  • a clear identification code is advantageously stored in the payment terminal 2 and no longer has to be entered by the seller.
  • the computer 16 recognizes the authenticity of the payment transaction.
  • the modem 17 After the central computer 16 has checked whether the buyer's account is covered, a corresponding positive feedback is sent to the mobile phone 1.
  • the modem 17 generates appropriate • signals which are transmitted via the mobile telephone network and receipt at the mobile phone. 1
  • the computer 16 carries out the corresponding debiting from the cell phone user's account.
  • the payment terminal 2 advantageously has a keyboard for entering the identification code.
  • connection of the payment terminal 2 to the peripheral device 3 can also be omitted, and the purchase price data or other data can be entered via the keyboard of the payment terminal 2.
  • the computer 16 performs a switch function and, depending on the calling customer, forwards the data to the corresponding account-holding bank or the like.
  • encryption and decryption of the data to be transmitted can be carried out in the payment terminal 2 and a corresponding decryption and encryption in the modem 17.
  • For a faster and cheaper transmission of the data can also take place a compression in the payment terminal 2 and a decompression in the modem 17 or in the computer 16.
  • the data transmission between the cell phone 1 and the computer 16 is, on the one hand, the digital transmission of the subscriber identification by dialing the number of the credit company or the like with the aid of the cell phone 1 and the transmission of the data, such as the purchase price or an identification code, divided in analog form (tones) via the acoustic coupler of the payment terminal 2 with the aid of the mobile phone 1.
  • the corresponding debit from the customer's account takes place in the computer 16 with the aid of the digitally transmitted subscriber identification and the analogously transmitted data about the purchase price and the identification of the customer.
  • the payment terminal 2 shows a block diagram of an embodiment of the payment terminal 2, which can be connected via a corresponding connection 15 to the peripheral device 3, for example a cash register of a store.
  • the payment terminal 2 shown includes a microprocessor 10 connected to the loudspeaker 11 ⁇ and a microphone 12, via which the acoustic coupling 14 to the respective mobile phone.
  • a memory 10 ′ can be connected to the microprocessor 10, in which a wide variety of data or programs can be stored.
  • the processor 10 can also encrypt or compress and modulate the signals.
  • the microprocessor 10 is connected via a data bus 8 to a corresponding controller 4, for example a microcontroller ( ⁇ C), which carries out the data communication with the peripheral device 3 via a parallel interface 21 or a serial interface 20.
  • ⁇ C microcontroller
  • the data bus 8 can be routed directly to a corresponding interface 22.
  • a keyboard 7 and a display 5 as well as any further memory 9 are connected to the data bus 8.
  • a card reader 6 for chip cards 13 can be connected to the data bus 8 for additional functions.
  • a real-time clock is preferably integrated in the microprocessor 10 or connected to it (not shown).
  • the payment terminal 2 has, for example, an energy source in the form of batteries or the like, so that there is independence from an external power supply. When using accumulators, this can speaking charger can be integrated in payment terminal 2 (not shown).
  • a time switch can be provided, which automatically switches off the payment terminal 2 after a certain time interval without actuation. This time span can be, for example, two minutes.
  • 3 and 4 show two views of an embodiment of the actual acoustic coupler of the payment terminal 2, a recess for supporting the mobile telephone 1 being provided in a manner known per se.
  • the construction and arrangement of the housing of the actual acoustic coupler 23 is such that resonances in the range from 100 Hz to 5 kHz are excluded. Damping materials 24 made of absorbent foam can also be provided for better acoustic coupling.
  • the mobile telephone 1 is placed on the acoustic coupler 23 such that the microphone 12 of the acoustic coupler 23 comes to rest under the loudspeaker of the mobile telephone 1 and the loudspeaker 11 of the acoustic coupler 23 comes under the microphone of the mobile telephone 1.
  • the microphone 12 is arranged in particular in an average hyperbolic sound recording opening 18 in the housing of the acoustic coupler 23. Edges 19 are provided on the side of the housing, which preferably exceed the height of the mobile telephone 1 placed on it, but at least 20 mm.
  • the inner side of the edges 19 is provided, for example, with a curve R, which brings about better acoustic properties and better cleanability of the housing.
  • the housing of the acoustic coupler 23 is preferably provided with a corresponding metal shield.
  • FIG. 5 shows a flowchart of an embodiment of the method according to the invention, the cashless sales process being started in accordance with block 101, and in accordance with block 102 the seller entering the purchase price of the goods or service into a corresponding payment terminal or his cash desk.
  • the buyer types his personal identification code (PIN) into the seller's payment terminal.
  • PIN personal identification code
  • the buyer dials the telephone number of the computer, in particular a credit company, and places the mobile phone on the acoustic coupler of the seller's payment terminal.
  • the connection between the mobile phone and, for example, the computer of the credit company is established and the identification data is transferred from the mobile phone to the computer.
  • the identity of the buyer is checked, for example, using the “CLIP” (Calling Line Identification Presentation) service and, for example, compared with identification data stored in a database. If it turns out that the buyer is not registered in the database of the credit company, a corresponding feedback is given to the seller's payment terminal in accordance with block 107 and the method is ended in accordance with block 114.
  • CLIP Calling Line Identification Presentation
  • a corresponding positive confirmation is given in accordance with block 108 to the payment terminal of the seller, and in accordance with block 109 the remaining payment data are transmitted to the computer of the credit company.
  • These payment data include the unique identification number of the seller, which is preferably stored in the payment terminal of the seller and therefore does not have to be entered separately, the purchase price and the personal identification code (PIN) of the buyer.
  • PIN personal identification code
  • a check is carried out to determine whether the payment has been carried out correctly and whether, for example, the buyer's account in the credit company is covered. If the payment fails, a corresponding error message is transmitted to the seller's payment terminal in accordance with block 111 and the process is ended by branching to block 114. If the cashless payment proceeds properly, a positive confirmation is given to the seller's payment terminal in accordance with step 112, and an optional confirmation is given in block 113. confirmation of the payment process to the buyer's mobile phone, for example by sending a short message (SMS (Short Messages System)). This gives the buyer the opportunity to review the payments he has made and, if necessary, to reverse them within a period approved by the credit company.
  • SMS Short Messages System

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  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Finance (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Telephonic Communication Services (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention concerne un procédé de transmission de données par téléphones mobiles (1) dans des opérations de paiement par virements électroniques. Selon ce procédé, une connexion à un ordinateur (16), en particulier d'un établissement de crédit, est établie au moyen du téléphone portable (1) et les données d'identification correspondant au numéro d'abonné du téléphone mobile (1) sont transférées du téléphone mobile (1) à l'ordinateur (16). L'utilisateur du téléphone mobile confirme ensuite le processus de paiement en saisissant un code d'identification personnelle PIN. L'objectif de cette invention est d'élaborer un procédé simple et sûr, ne nécessitant aucun dispositif coûteux pour l'acheteur. A cet effet, d'autres données, par exemple le prix d'achat des marchandises ou du service, sont transmises par voie acoustique d'un terminal de paiement (2) au téléphone mobile (1) et ces données analogiques sont transférées à l'ordinateur (16) par l'intermédiaire du téléphone mobile (1), de préférence dans une gamme de fréquences comprise entre 100 Hz et 5 kHz.
PCT/AT2001/000359 2000-11-22 2001-11-14 Procede et dispositif de transmission de donnees par telephones mobiles dans des operations de paiement par virements electroniques Ceased WO2002043020A2 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU2002223244A AU2002223244A1 (en) 2000-11-22 2001-11-14 Method and device for the transmission of data by mobile telephone in cashless electronic payments

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
AT19652000 2000-11-22
ATA1965/2000 2000-11-22

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WO2002043020A2 true WO2002043020A2 (fr) 2002-05-30
WO2002043020A3 WO2002043020A3 (fr) 2003-10-02

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EP2702523B1 (fr) 2011-04-29 2015-12-09 Tagattitude Module de gestion d'une transaction entre un terminal et un dispositif electronique
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US10635820B1 (en) 2017-09-29 2020-04-28 Square, Inc. Update policy-based anti-rollback techniques
US10643200B2 (en) 2010-10-13 2020-05-05 Square, Inc. Point of sale system
US10684848B1 (en) 2016-03-30 2020-06-16 Square, Inc. Blocking and non-blocking firmware update
US10733589B2 (en) 2017-04-28 2020-08-04 Square, Inc. Point of sale device power management and under voltage protection
US10733588B1 (en) 2014-06-11 2020-08-04 Square, Inc. User interface presentation on system with multiple terminals
US10753982B2 (en) 2014-12-09 2020-08-25 Square, Inc. Monitoring battery health of a battery used in a device
US10762196B2 (en) 2018-12-21 2020-09-01 Square, Inc. Point of sale (POS) systems and methods with dynamic kernel selection
US10810570B1 (en) 2019-09-30 2020-10-20 Square, Inc. Point of sale device with cradle for mobile computing device
US10817869B2 (en) 2016-06-29 2020-10-27 Square, Inc. Preliminary enablement of transaction processing circuitry
US10937019B2 (en) 2016-06-08 2021-03-02 Square, Inc. Wireless communication system with auxiliary antenna
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US10970708B2 (en) 2016-12-31 2021-04-06 Square, Inc. Predictive data object acquisition and processing
US10990969B2 (en) 2018-12-21 2021-04-27 Square, Inc. Point of sale (POS) systems and methods for dynamically processing payment data based on payment reader capability
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US11080674B1 (en) 2014-09-19 2021-08-03 Square, Inc. Point of sale system
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US11328134B1 (en) 2014-06-23 2022-05-10 Block, Inc. Displaceable reader circuitry
US11481750B2 (en) 2015-06-30 2022-10-25 Block, Inc. Pairing a payment object reader with a point-of-sale terminal
US11663368B2 (en) 2019-09-30 2023-05-30 Block, Inc. Tamper detection based on removal of fastener from recess
US11665817B2 (en) 2019-09-30 2023-05-30 Block, Inc. Tamper detection based on flexible member connecting circuitry elements
US11797965B2 (en) 2017-12-08 2023-10-24 Block, Inc. Reader detection signal based proximity feedback
US11871237B1 (en) 2016-06-30 2024-01-09 Block, Inc. Pairing a payment object reader with a point-of-sale terminal
US12207322B2 (en) 2015-09-24 2025-01-21 Block, Inc. Server-assisted pairing for wireless communications

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EP2073160A1 (fr) * 2007-12-18 2009-06-24 Kienzle Argo Taxi International GmbH Transmission de données codées d'un terminal à un serveur central par l'intermédiaire d'un terminal mobile à l'aide d'un code à barres multidimensionnel
US10643200B2 (en) 2010-10-13 2020-05-05 Square, Inc. Point of sale system
EP2702523B1 (fr) 2011-04-29 2015-12-09 Tagattitude Module de gestion d'une transaction entre un terminal et un dispositif electronique
US10733588B1 (en) 2014-06-11 2020-08-04 Square, Inc. User interface presentation on system with multiple terminals
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US11080674B1 (en) 2014-09-19 2021-08-03 Square, Inc. Point of sale system
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US10753982B2 (en) 2014-12-09 2020-08-25 Square, Inc. Monitoring battery health of a battery used in a device
US11481750B2 (en) 2015-06-30 2022-10-25 Block, Inc. Pairing a payment object reader with a point-of-sale terminal
US11080675B1 (en) 2015-09-08 2021-08-03 Square, Inc. Point-of-sale system having a secure touch mode
US12207322B2 (en) 2015-09-24 2025-01-21 Block, Inc. Server-assisted pairing for wireless communications
US11087315B2 (en) 2015-09-24 2021-08-10 Square, Inc. Server-assisted pairing for wireless communications
US10684848B1 (en) 2016-03-30 2020-06-16 Square, Inc. Blocking and non-blocking firmware update
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US10817869B2 (en) 2016-06-29 2020-10-27 Square, Inc. Preliminary enablement of transaction processing circuitry
US12361404B2 (en) 2016-06-29 2025-07-15 Block, Inc. Preliminary enablement of transaction processing circuitry
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US10970708B2 (en) 2016-12-31 2021-04-06 Square, Inc. Predictive data object acquisition and processing
US11113698B2 (en) 2017-02-22 2021-09-07 Square, Inc. Line-based chip card tamper detection
US10621590B2 (en) 2017-02-22 2020-04-14 Square, Inc. Line-based chip card tamper detection
US12223507B2 (en) 2017-02-22 2025-02-11 Block, Inc. Line-based chip card tamper detection
US11669842B2 (en) 2017-02-22 2023-06-06 Block, Inc. Transaction chip incorporating a contact interface
US10733589B2 (en) 2017-04-28 2020-08-04 Square, Inc. Point of sale device power management and under voltage protection
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US11899515B2 (en) 2017-04-28 2024-02-13 Block, Inc. Point of sale device power management and undervoltage protection
US10949189B2 (en) 2017-06-28 2021-03-16 Square, Inc. Securely updating software on connected electronic devices
US11762646B2 (en) 2017-06-28 2023-09-19 Block, Inc. Securely updating software on connected electronic devices
US10635820B1 (en) 2017-09-29 2020-04-28 Square, Inc. Update policy-based anti-rollback techniques
US11257058B1 (en) 2017-10-30 2022-02-22 Square, Inc. Sharing output device between unsecured processor and secured processor
US12299661B2 (en) 2017-10-30 2025-05-13 Block, Inc. Controlling processor's access to interface device
US11983688B2 (en) 2017-10-30 2024-05-14 Block, Inc. Controlling access to output device between two processors
US11100298B1 (en) 2017-12-08 2021-08-24 Square, Inc. Transaction object reader with analog and digital signal interface
US11797965B2 (en) 2017-12-08 2023-10-24 Block, Inc. Reader detection signal based proximity feedback
US11087301B1 (en) 2017-12-19 2021-08-10 Square, Inc. Tamper resistant device
US11049095B2 (en) 2018-12-21 2021-06-29 Square, Inc. Point of sale (POS) systems and methods with dynamic kernel selection
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US10990969B2 (en) 2018-12-21 2021-04-27 Square, Inc. Point of sale (POS) systems and methods for dynamically processing payment data based on payment reader capability
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